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Just about every life insurance website you'll find shouts that it's the best or the cheapest you'll find. E

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

ven those that act as agents for major insurers focus on the savings rather than trying to help you select t

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

he right policy for you.

Whilst there's nothing wrong with trying to find the cheapest policy on the market

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

, it's important to understand what can happen if you buy what appears to be a cheap life insurance policy t

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

hat later costs you dear when you need to change the cover or the term to reflect a change in circumstances.

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

Most life insurance policies are taken out with terms in excess of 20 years and many will be kept for the

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

full term. The problem with this is that a lot can change in 20+ years and your life insurance will have to

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

adapt to continue to offer the protection you need today. Simple changes such as an increase in the cover am

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ount or reduction in the policy term are no problem with some policies but many are very restrictive and won

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

't allow you to make these basic changes once the policy has started. In these cases you would have to eithe

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

r cancel the policy and start again or buy additional cover to make up the difference.

This might not appea

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

r to be an issue but as life insurance increases with age and the onset of medical problems the cost of buyi

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ng a new policy when you are ten or twenty years older and suffering with the odd medical condition can be s

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ubstantial. This is where a flexible, full cover policy can prove it's value with multiple changes to the te

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

rm, cover levels and optional extras possible with some insurers. These policies may mean a slightly higher

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

premium but can ensure future proof peace of mind that grows with you and your insurance needs.

Whether you

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

a need life insurance policy to protect your new family, insure your mortgage or cover a business loan, cha

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

nge is inevitable over the next ten or twenty years and your life cover should be able to change with you. S

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

o, if you want a policy that provides both quality cover and value for money now and in the future, don't ju

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

st focus on the price. Ask a few more questions and check the small print before you sign on the dotted line

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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